I am planning to apply this winter for admission in Fall 2018 to a finance PhD program.
Education
Undergraduate degree from highly ranked state school (finance), cum laude (3.7). First year (single variable) calculus; have since taken introductory real analysis, matrix algebra, and multivariate calculus. Received 3.7s in intro to analysis and matrix algebra (last quarter as a non-matriculated student), and am currently enrolled in real analysis and multivariate calculus courses (so the grades will not be on my transcripts unless I am allowed to provide supplemental transcripts after the application period closes).
Law degree from same school (T30), top 30% (3.6)
GMAT 780, Q51.
Since graduating law school, have worked in a position utilising both legal and business skills. In a role equivalent to associate corporate counsel at a large non-profit organization.
I know my lack of formal math courses will hurt me, although I think my GMAT score and enrollment in math courses will help mitigate that somewhat. I also was able to audit a second year finance PhD course, and although I didn't get a letter from the professor (I didn't know him before the quarter, one of my recommenders did), I did reference the course and prof's name in my personal statement (at the advice of a recommender), and I think he liked me well enough and saw enough of my work that if they call him, he will have good things to say.
Letters:
Good. All are relatively well published in asset pricing, which is what I focus on in my personal statement. No Eugene Fama, but no undergraduate English professor either.
Research Experience:
Not a ton on the business side. I have recently published two articles (recently) in decently ranked law journals, and wrote a chapter in our state bar association's business law handbook for practitioners.
Work Experience:
I've worked for about 4 years out of law school. I am in an advisory role within a large organization (a cross between in-house counsel and something more integrated in the finance operation)
I applied to most of the T25 schools in the US, but I really have no idea what the criteria are. What are my chances at the top 10 schools? Top 25? Top 40?